Annual Percentage Yield (APY) is based on compounding and crediting of interest annually and at maturity on terms one year or longer and compounding at maturity for terms under one year. The APY assumes interest remains on deposit until maturity. A penalty may be assessed for early withdrawals. Service fees, including early withdrawal penalties, may reduce earnings. Interest rates on Certificates are fixed for the term of the account. Interest begins to accrue on the business day you deposit non-cash items, such as checks. For additional information, please contact a banker. *An active checking account is required to receive the special interest rate. An active checking account is defined as Direct Deposit or three transactions per statement cycle. For the most current rates, contact a Personal Banker at the location nearest you, or call 651-636-9654. ** The interest rate and annual percentage yield may change.

Checking & Savings

Product Name

Balance To Earn APY

Minimum Balance to Open

Interest Rate

Annual Percentage Yield

FlexChecking

$500.00 - $2,499.99

$100.00

0.05%

0.05%

$2,500.00 - $4,999.99

0.10%

0.10%

$5,000.00 - $9,999.99

0.15%

0.15%

$10,000.00+

0.25%

0.25%

FlexSavings &

$0.00 - $2,499.99

$100.00

0.05%

0.05%

Business Savings

$2,500.00 - $4,999.99

0.10%

0.10%

$5,000.00 - $9,999.99

0.15%

0.15%

$10,000.00+

0.20%

0.20%

FlexMM &

$0.00 - $19,999.99

$100.00

0.05%

0.05%

Business MM

$20,000.00 - $49,999 .99

0.10%

0.10%

$50,000.00 - $74,999.99

0.15%

0.15%

$75,000.00 - $99,999.99

0.20%

0.20%

$100,000.00+

0.25%

0.25%

Preferred MM

$0.00 - $99,999.99

$50,000.00 in checking

0.25%

0.25%

$100,000.00 - $249,999.99

0.30%

0.30%

$250,000.00 - $499,999.99

0.40%

0.40%

$500,000.00 - $749,999.99

0.50%

0.50%

$750,000.00 - $999,999.99

0.75%

0.75%

$1,000,000.00+

1.00%

1.00%

IRA Savings

$0.00 - $1,999.99

$100.00

0.30%

0.30%

$2,000.00 - $9,999.99

0.50%

0.50%

$10,000.00 - $19,999.99

0.75%

0.75%

$20,000.00+

1.00%

1.00%

Health Savings

$0.00 - $999.99

$100.00

0.30%

0.30%

$1,000.00 - $4,999.99

0.50%

0.50%

$5,000.00 - $9,999.99

0.75%

0.75%

$10,000.00+

1.00%

1.00%

Interest rates and Annual Percentage Yields (APY’s) for all checking and savings accounts are variable and may change after the account is opened. Service fees may reduce earnings. Interest begins to accrue on the business day you deposit non-cash items, such as checks. For additional information, please contact a banker.